The true cost of what you’re about to sign
Calculators for big purchases, built by nobody who sells them. Each one adds the interest, the fees and what the money could have earned elsewhere, then tells you plainly how it comes out. Sometimes the answer is “go ahead”.
The true cost of a timeshare
Over 20 years, using 1 week a year
$91,574
- Purchase price
- $24,740
- Loan interest
- $20,678
- Maintenance fees
- $46,156
- Exchange or club dues
- $0
- Resale value
- $0
- Cost per week used
- $4,579
- Renting the same weeks
- $48,367
Renting the same weeks costs $43,207 less.
Put that difference into investments earning 7% as you go, and after 20 years you would have $127,897.
The average US timeshare, on the industry’s own 2025 figures.